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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Interest and Dividend Income      
Interest and fees on loans and loans held for sale $ 160,146 $ 134,739 $ 108,612
Interest on investment securities available for sale 11,482 13,756 15,833
Dividends on marketable equity securities 552 876 766
Interest on investment securities held to maturity 1,869 1,892 1,893
Dividends on Federal Home Loan Bank stock 586 314 203
Interest on deposits in other banks 3,743 2,342 4,644
Total Interest Income 178,378 153,919 131,951
Interest Expense      
Interest expense on deposits 40,456 39,347 26,511
Interest expense on borrowings 1,508 986 1,784
Interest expense on subordinated debentures 805 403 400
Total Interest Expense 42,769 40,736 28,695
Net Interest Income 135,609 113,183 103,256
Provision for credit losses 3,910 3,293 3,842
Net Interest Income After Provision for Credit Losses 131,699 109,890 99,414
Other Operating Income      
Mortgage banking income 25,237 24,002 12,763
Purchased receivable income 25,806 7,146 4,482
Gain on sale by Pacific Wealth Advisors 14,486 0 0
Unrealized gain on marketable equity securities 169 465 120
Gain on sale of available for sale securities, net 1 0 0
Gain on sale of marketable equity securities, net 0 112 0
Other income 3,843 3,602 3,104
Total Other Operating Income 77,203 42,041 26,375
Other Operating Expense      
Salaries and other personnel expense 78,337 67,847 61,741
Data processing expense 13,125 10,986 9,821
Occupancy expense 7,822 7,609 7,394
Professional and outside services 4,681 4,351 3,128
Marketing expense 3,728 3,028 2,929
Insurance expense 3,212 2,961 2,519
Compensation expense - SCF acquisition payments 2,333 0 0
Intangible asset amortization expense 0 0 17
OREO (income) expense, net of rental income and gains on sale (11) (385) (794)
Other operating expense 11,156 8,540 7,426
Total Other Operating Expense 124,383 104,937 94,181
Income Before Provision for Income Taxes 84,519 46,994 31,608
Provision for income taxes 19,911 10,023 6,214
Net Income $ 64,608 $ 36,971 $ 25,394
Earnings Per Share, Basic (in USD per share) $ 2.92 $ 1.68 $ 1.13
Earnings Per Share, Diluted (in USD per share) $ 2.87 $ 1.66 $ 1.12
Weighted Average Shares Outstanding, Basic (in shares) 22,088,891 22,011,188 22,405,884
Weighted Average Shares Outstanding, Diluted (in shares) 22,485,351 22,335,932 22,645,840
Bankcard fees      
Other Operating Income      
Bankcard fees and Service charges on deposit accounts $ 4,675 $ 4,366 $ 3,862
Service charges on deposit accounts      
Other Operating Income      
Bankcard fees and Service charges on deposit accounts $ 2,986 $ 2,348 $ 2,044